Car Insurance in Brewer - 6 Ways to Save Money

Finding affordable Brewer car insurance over the internet may be challenging for beginners to buying insurance online. With dozens of insurers to choose from, how can you possibly compare every one to find the lowest price?

It's important to take a look at other company's rates yearly since rates are constantly changing. Even if you got the best rates two years ago you may be paying too much now. There is a lot of bad information regarding car insurance on the web, but we're going to give you some great ways to slash your car insurance rates.

Buying car insurance in Brewer is easy if you know what you're doing. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these methods. Maine vehicle owners just need to know the most effective way to get comparison quotes over the internet.

Where Can I Get Cheap Brewer Car Insurance?

Getting better car insurance pricing can be quick and easy. Just take time to get quotes from different insurance companies. This can be done in a couple of different ways.

The first (and easiest) way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for multiple quote forms for each company you want a rate for. A single, simple form gets rate comparisons from multiple low-cost companies. Recommended for those who want to invest the least amount of time.

A different way to compare rate quotes is spending the time to visit the website for each individual company and request a quote. For examples sake, let's say you want comparison quotes from , and . To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker.

To view a list of companies in Brewer, click here.

It's your choice how you get your quotes, but make sure you use identical information with every price quote. If the quotes have higher or lower deductibles you can't possibly find the best deal in Brewer.

Take advantage of discounts

Car insurance companies do not list every available discount very clearly, so the following is a list of some of the more common and also the lesser-known savings tricks you should be using. If you're not getting every credit you deserve, you're just leaving money on the table.

Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance.
Accident Waiver - Certain companies allow you one accident without raising rates if you are claim-free for a set time period.
Resident Student - Kids in college living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
New Car Discount - Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
Multi-policy Discount - When you have multiple policies with the same company you could get a discount of at least 10% off all policies.

Drivers should understand that most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, companies wouldn't make money that way.

For a list of providers who offer car insurance discounts in Maine, click here to view.

How to know if you need help

When it comes to choosing coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Your needs are not the same as everyone else's.

These are some specific questions can help discover whether your personal situation would benefit from professional advice.

Can I get a multi-policy discount for packaging my home and auto coverage?
When does my teenage driver need to be added to my policy?
What are the financial responsibility laws in Maine?
Does my policy cover me when driving someone else's vehicle?
Do I need PIP (personal injury protection) coverage in Maine?
Why does it cost so much to insure a teen driver in Brewer?
Should I file a claim if it's only slightly more than my deductible?

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It's fast, free and you can get the answers you need.

More detailed Maine car insurance information can be read at the Maine Bureau of Insurance website. Consumers can find out industry alerts, view agent and company licensing information, and file complaints about an insurance agent or broker.

A tidy conclusion

When buying insurance coverage, never reduce needed coverages to save money. Too many times, consumers will sacrifice full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at the best price, not the least amount of coverage.

Budget-conscious car insurance can be purchased from both online companies and also from your neighborhood Brewer agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

You just learned many tips how you can lower your car insurance rates. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Drivers may discover the best price on car insurance is with a small mutual company.